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Financial Highlights
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Latest On:
Period Ended
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 5,088,449 5,018,756 4,899,012 4,132,281 3,984,403
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Total Net Loans 3,588,657 3,604,510 3,571,642 3,108,574 3,026,496
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Total Deposits 4,052,053 4,075,894 3,975,559 3,315,634 3,231,653
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Equity Attributable to Parent Company 685,228 657,983 600,764 502,507 442,438
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Total Equity 685,228 657,983 600,764 502,507 442,438
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Profitability (%)
Net Income($000) 29,000 89,352 70,002 54,310 52,128
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Net Income Attributable to Parent($000) 29,000 89,352 70,002 54,310 52,128
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ROAA 2.29 1.80 1.63 1.33 1.36
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Core ROAA 1.31 1.81 1.88 1.43 1.31
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ROAE 16.97 14.01 13.62 11.02 12.09
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ROATCE 20.63 17.44 16.21 13.07 14.76
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Core ROAE 9.67 14.08 15.75 11.83 11.70
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Net Interest Margin 3.52 3.59 3.54 3.46 3.50
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Reported: Net Interest Margin 3.54 3.59 3.54 3.46 3.50
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Efficiency Ratio 50.31 50.22 49.75 51.34 54.40
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Noninterest Inc/ Operating Rev 29.79 29.07 30.50 31.62 31.74
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Balance Sheet Ratios (%)
Loans/ Deposits 89.15 88.71 90.19 94.31 94.18
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Securities/ Assets 18.93 17.73 16.67 15.23 13.56
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Total Equity/ Total Assets 13.47 13.11 12.26 12.16 11.10
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Tangible Equity/ Tangible Assets 11.38 10.98 10.01 10.46 9.30
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Tang Common Equity/ Tang Assets 11.38 10.98 10.01 10.46 9.30
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Asset Quality (%)
NPAs/ Assets 0.88 0.91 1.09 1.12 1.19
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NPA Excl Restructured/ Assets 0.31 0.32 0.39 0.34 0.46
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NPAs & 90+ PD/ Assets 0.89 0.92 1.09 1.13 1.20
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NPAs/ Loans & REO 1.24 1.26 1.49 1.48 1.55
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Nonaccrual & 90+ & OREO/ Assets 0.31 0.33 0.40 0.34 0.47
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NPAs & 90+ PD/ Loans & REO 1.25 1.27 1.49 1.49 1.57
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NPA & Loans 90+/ Tangible Common Equity + LLR 7.64 8.38 10.85 10.55 12.47
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NCOs/ Avg Loans 0.10 0.09 0.02 0.13 0.13
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Loan Loss Reserves/ Gross Loans 0.68 0.32 0.45 0.60 0.65
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Reserves/ NPAs 54.19 25.31 29.93 40.55 41.64
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Loan Loss Provision/ NCO NM (39.97) NM 77.08 112.23
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 547,040 532,640 493,945 430,154 371,677
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Tier 1 Capital($000) 547,040 536,640 497,945 446,154 387,677
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Tier 2 Capital($000) 14,904 11,651 16,275 19,138 20,729
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Total Capital($000) 561,944 548,291 514,220 465,292 408,406
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Total Risk-weighted Assets($000) 3,412,591 3,319,405 3,266,914 2,842,453 2,787,217
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Tier 1 Common Capital (CET1) Ratio(%) 16.02 16.05 15.12 15.10 13.34
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Tier 1 Ratio(%) 16.02 16.17 15.24 15.66 13.91
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Total Capital Ratio(%) 16.46 16.52 15.74 16.34 14.65
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 11.10 10.98 11.44 11 10.08
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 16,140,380 16,303,439 16,555,145 15,618,029 15,128,433
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Avg Diluted Shares(actual) 16,101,000 16,333,000 15,439,000 15,436,000 14,913,000
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Basic Book Value per Share 42.45 40.36 36.29 32.17 29.25
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Book Value per Share, As Reported 42.45 40.36 36.29 32.17 29.25
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Basic Tangible Book Value per Share 35.03 32.98 28.87 27.14 24.01
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Tangible Book Value per Share, As Reported 35.03 32.98 28.87 27.14 24.01
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Common Dividends Declared per Share 0.57 2.20 1.98 1.78 1.72
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EPS after Extra 1.78 5.42 4.49 3.48 3.45
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EPS after Extra Growth(%) 36.90 20.70 29 0.90 (2.30)
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Core EPS 1.01 5.45 5.20 3.74 3.34
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Core EPS Growth(%) (23.50) 4.80 39.10 12.10 10.90
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Diluted EPS before Amortization 1.81 5.54 4.52 3.51 3.49
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Pre-Provision Earnings per Share 1.36 5.31 5.02 3.69 3.37
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Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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